Ontario Predictions?

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What is not up for debate is the fact that with 25% down, it is virtually impossible to find good quality product that will cash flow positively in that market. For that reason alone, I wouldn't invest in Toronto right now. I've never invested for capital appreciation alone.

I like the way you think

I assume we're all here to buy cash flow positive properties with (hopefully) LONG TERM capital appreciation potential. This task has been nearly impossible in the GTA + surrounding area for a while now (assuming 20% down & a reasonable mortgage rate). I heard a stat on CP24, unfortunately I can't recall the source, that 90% of income properties in the GTA are cash flow negative. I wouldn't be surprised. I have looked at nearly 100 opportunities in the last two years (in my target zone of < $400,000 per door) with detailed financially modelling on a couple dozen of those candidates. I have purchased exactly two properties... everything else was cash flow negative, in often cases wildly so.